{\footnotesize \begin{tabular}{l c c c c c} \hline \toprule         & \multicolumn{2}{c}{\textbf{1-4 Quarters After Filing}}         & & \multicolumn{2}{c}{\textbf{5-8 Quarters After Filing}} \\
\cmidrule{2-3} \cmidrule{5-6}
& $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & RF         & & $ {\scriptsize \mathbb{E}[Y \vert E=0]}$ & RF \\
& (1) & (2) & & (3) & (4) \\
\cmidrule{2-3} \cmidrule{5-6}
& & & & & \\
\textbf{Financial health index:}         & -0.054                 & -0.086*                                                         & & 0.008               & -0.092 \\
& (0.737)               & (0.050)                                                         & & (0.747)     & (0.062) \\
& & \multicolumn{1}{c}{[269,814]}                                                         & & & \multicolumn{1}{c}{[271,230]} \\
\textit{By Location}     & & & & & \\
~~~Cook County           & -0.075                 & -0.162*                                                          & & -0.027               & -0.137  \\
& (0.990)               & (0.083)                                                          & & (1.002)     & (0.108)  \\
~~~New York                      & -0.032                 & -0.011                                                          & & 0.043               & -0.046  \\
& (1.091)               & (0.056)                                                          & & (1.108)     & (0.063)  \\
\midrule
& & & & & \\
\textbf{Credit score:}   & 547.59                 & -6.41                                                         & & 551.84               & -11.36** \\
& (67.11)               & (4.23)                                                         & & (68.61)     & (4.75) \\
\textit{By Location}     & & & & & \\
~~~Cook County           & 531.94                 & -6.64                                                          & & 536.62               & -14.90**  \\
& (74.04)               & (6.43)                                                          & & (74.56)     & (7.01)  \\
~~~New York                      & 563.24                 & -6.18                                                          & & 567.06               & -7.82  \\
& (111.94)               & (5.48)                                                          & & (115.19)     & (6.41)  \\
\midrule
& & & & & \\
\textbf{No open revolving account:}      & 0.481                 & -0.030                                                         & & 0.468               & 0.035 \\
& (0.334)               & (0.020)                                                         & & (0.331)     & (0.032) \\
\textit{By Location}     & & & & & \\
~~~Cook County           & 0.587                 & -0.056*                                                          & & 0.589               & 0.048  \\
& (0.491)               & (0.033)                                                          & & (0.491)     & (0.059)  \\
~~~New York                      & 0.375                 & -0.005                                                          & & 0.347               & 0.021  \\
& (0.452)               & (0.022)                                                          & & (0.445)     & (0.024)  \\
\midrule
& & & & & \\
\textbf{Total balance: collections and delinquencies:}   & 2,550                 & 246                                                         & & 2,378               & 382 \\
& (4,099)               & (327)                                                         & & (3,936)     & (333) \\
\textit{By Location}     & & & & & \\
~~~Cook County           & 2,759                 & 593                                                          & & 2,516               & 450  \\
& (5,504)               & (535)                                                          & & (5,291)     & (577)  \\
~~~New York                      & 2,342                 & -101                                                          & & 2,240               & 313  \\
& (6,075)               & (375)                                                          & & (5,829)     & (332)  \\
\midrule
& & & & & \\
\textbf{Any auto loan or lease:}         & 0.170                 & -0.047*                                                         & & 0.176               & 0.022 \\
& (0.264)               & (0.024)                                                         & & (0.269)     & (0.023) \\
\textit{By Location}     & & & & & \\
~~~Cook County           & 0.197                 & -0.101**                                                          & & 0.198               & 0.022  \\
& (0.396)               & (0.042)                                                          & & (0.397)     & (0.040)  \\
~~~New York                      & 0.142                 & 0.007                                                          & & 0.155               & 0.022  \\
& (0.349)               & (0.024)                                                          & & (0.362)     & (0.023)  \\
\bottomrule \\
\end{tabular} }
